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VERIFIED VIDEO REVIEWS ABOUT JEFF LERNER!
How to build good credit and fix bad credit! This video is a GOLD MINE for credit information.
💰 Learn How to Start Your Awesome Life Here👉 http://yt122.trainingwithjeff.com/
Building credit:
- Start w a primary (we own it) term loan and a revolving line
- Self Lender or Credit Strong (term loan)
- Kay Jewelers card (revolving line)
- TD Bank (secured credit card min. of $1000 and up to $5000) or CapitalOne Bank “Open Sky” card if no TD Bank local
- (these cards will release the secured interest after 6 to 8 months and convert to an unsecured card)
- Don’t use “reestablishment cards” - OLLO or Credit One Bank or First Premiere Bank
- Open accounts early and get them reporting for as long as possible
- DON’T max out cards
- Pay off cards every month if possible - penalties at 7%, 30%, & 50% debt utilization
- Never miss a payment for 6 to 8 months (or ever really)
- IF you can’t save $1000
- Get secured card for a couple hundred dollars then get limit raised after a few months
Dealing With Bad Credit:
- Bankruptcy: Reestablish credit immediately after bankruptcy (don’t wait)
- Tax Liens: Pay them off and request for them to be removed
- Collections: Typically a debt that’s been sold to a “collection company”. Collections debts can be disputed easily and should NOT be paid until they’ve been disputed!
- Charge offs: When a financial institution goes beyond 120 days on a debt and chooses to write it off. Negotiate with banks yourself rather than pay for debt consolidation company.
- Larger charge offs: You may be sued and get a judgement and will likely have to pay.
- Smaller charge offs: Dispute first, if no luck settle for no more than 50%.
- Once negative items are dealt with begin building credit based on above…
Research credit repair companies - watch out for slow pace of disputes with a high monthly fee
- Look for real reviews - ask good questions (average length of process? How many disputes per month? What do I need to do to accomplish x?)
- Service must be provided before payment due and cannot provide guarantees (but service warranty is a good thing)
How to get leverage (access to other people’s money) once you have good credit
Credit cards:
- Use your credit card consistently and pay it off monthly (or as close to it as possible)
- Ask your lender to reduce interest rate and increase limit every 6 months (assuming good payment history)
- Credit cards are the easiest way to establish great credit
- Cycle expenses through your credit cards as much as possible
- NEVER miss a payment - ALWAYS set up minimum payments auto drafts
- *Dave Ramsey is great at teaching people how to get out of debt but NOT at teaching people how to make money
Inquiries:
- Hard pulls effect your score by up to 10%
- Not all “hard” credit pulls effect credit equally when lenders underwrite you
- Inquiries in different sectors are better tolerated by lenders
- No more than 3 inquiries within 6 months ideally
- Inquiries can be consolidated by day or often removed by credit repair companies if no document was signed for EACH credit pull
- “Soft pull” does not effect credit score
- Freecreditreport.com is the only way to view soft pulls - commercial lenders cannot view them unless you already have credit with them and they are only visible within like industries
Best site to monitor credit:
honestcreditmonitoring.com (Curtis’s company yay!)
If you’re going through loan underwriting use Experian (creditchecktotal.com)
- Updates daily
- Uses FICO8 scoring model
Lending America (search on Google for reviews)
Pull credit report first from creditchecktotal.com
Contact at: 801-312-9099
Go to website and fill out form: www.lendingamericallc.com
Curtis Nalley on Facebook: https://www.facebook.com/curtis.nalley
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I have been a fan of Jeff's Podcast for quite some time now. I was not sure what to expect when I first listened to it, but after the first few episodes, I knew that this podcast would be something special. With Jeff's podcast you get so much information on how to start and grow your own business online. Not only do you learn a lot about marketing, but also how they keep their businesses running smoothly while growing them at an exponential rate! Since listening to this podcast my social media marketing has really improved as well as my website revenue too! It is great because these are both things that can be hard to master and most people don't know where or how they should start with these two areas yet alone try and make money.
This ENTRE interview with Curtis Nalley is a MUST for almost everyone. If after watching this interview, you do not appreciate its value, I suggest you watch it again with someone to help you under the important points made. Unfortunately many individuals, as well as most governments, have excessive debt. This condition lowers their ability to help themselves and those who depend on them. To both Curtis and Jeffrey thank you for this presentation.
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Just finished this podcast and holy crap, how has that not drastically changed millions of people lives already! I was just as flabbergasted at you and literally had goosebumps after his first credit coaching rant, just incredible information. Thanks again for what you do!! Pushing hard through my Entre training 👍. Posted on FB as well but wanted to express my gratitude all over!
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View reply from Jeff Lerner
This is some extremely valuable information that came from this interview. Thank you Jeff and Curtis!
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All I can say is Thank you from the bottom of my heart, very enlightening!
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View reply from Jeff Lerner
Thank you Jeff and Curtis! You provided so much free credit information that it is unbelievable and so valuable! I plan on taking advantage of the resources mentioned!
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The fact that this hasn’t went viral is beyond me. I’m sharing with everyone serious Entrepreneur and employee I know. Thanks Jeff and Chris. 🙏🏾🥳
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Jeff and Curtis, thank you so much for this amazing help you gave us.
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This was a really amazing interview and Curtis is a great man - this information will help so many people. It would be great to have this type of service available in the UK. Maybe I have my new business idea! :-)
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View reply from Jeff Lerner
This ENTRE interview was extremely powerful. I rarely sit for over 90 minutes watching YouTube unless it's a show I wanted to see! I found the information extremely engaging, usable and applicable. This would have been useful information for use years ago! Thank you Curtis Nalley for what you do! Thank you Jeff for doing this interview. I have hope now that I can realistically get funding to pursue business.
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View reply from Jeff Lerner
This was awesome! You both were so open with your instructions. I have to agree with Curtis as you probably already have seen soon many time. You are amazing!
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I am going through Jeff's Entre Institute now and I must say he is truly genuine and passionate about changing people's lives. He is intentional in making you well rounded so you can handle success. Thanks Jeff. Also....hey Curtis! Expect a call from me today!
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Lending America was a great help for me when I really needed it, thank you Curtis and Jeff!
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This is Amazing! I have never heard some of this information. I have been through one of Dave Ramsey’s workshops and this is way seriously different. I think 10 years of doing it Dave’s way has helped me establish better Money values! And no credit cards!
My mind is blown away! Curtis is Crazy amazing and I can’t wait to get started figuring all this out!!
Thanks Jeff! I keep saying Entre is changing my life! Each day since The first of October I have learned something new or have been reinforcing though principles layer up layer. This is a Life Changer for me!
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Awesome. What more can be said; for anyone aspiring to become entrepreneurial, this video is a must without delay if you are in need of a fast track solution.
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Thank you guys for such great value informations, specially for someone is just starting out how to build a great credit score
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I am super excited after hearing this. I am looking forward to your services.
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That was a wealth of information Curtis just gave. Thank you Jeff and Curtis.
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View reply from Jeff Lerner
II learned so much. I have terrible 😫 credit.. I've been trying to clean it up for awhile.
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Awesome Video - Tons of Great Info
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View reply from Jeff Lerner
I need to listen to this and take notes at least 5 more times!
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View reply
I love you!! Thanks for your full explanation!! I will be contacting you personally
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Jeff Lerner Reviews:
Jeff Lerner Reviews:
Fix Bad Credit
Fix Bad Credit
Credit Repair Secrets and 609 Letter Templates: An Essential Guide to Navigate Your Way to Great Credit That Will Open Doors to Your Future, Learn How to Fix Debt and Boost Your Score Paperback – September 20, 2021
Credit Repair Secrets and 609 Letter Templates: An Essential Guide to Navigate Your Way to Great Credit That Will Open Doors to Your Future, Learn How to Fix Debt and Boost Your Score Paperback – September 20, 2021
by Michael Worley (Author)
4.8 out of 5 stars
Reviewed in the United States on December 21, 2021
Credit is an important feature in our world, but it is one not everyone understands. This book teaches what credit is, how the credit score comes into play, how the score is tabulated, what can affect it positively and negatively, and what to do to improve your score. One feature of the book is how to get the free copy of your credit report that you are entitled to. Also, the author covers what to do if you find discrepancies on your report. There are even some templates of 609 letters to help you dispute errors. This book is so necessary to being successful in life.
How your score is calculated and how to get the most out of it
Reviewed in the United States on October 17, 2021
Really helpful information. If you're planning for big purchases and looking to loan money, or get a credit card, you may want to look into how you can improve your credit score. This book breaks down what a credit score is and how it is calculated. It discussed myths about credit and how to dispute when something is incorrect using a 609 letter and others for repairing your credit. Also, it contained the tips for maintaining a healthy credit record.
Reviewed in the United States on September 28, 2021
If you have ever considered going to a company that claims that they can help you improve your credit score, give this book a try first. The book has sample 609 format letters which will help get bad marks off of your credit score. The book also explains what goes into calculating your credit score and understanding that will help you leverage your debit to make the credit score go up higher.
Boost your score, repair errors
Reviewed in the United States on December 11, 2021
The author explains how credit scores are determined and steps you can take right now to begin improving your score. The author suggests getting free copies of your credit report and look for errors. If you find a mistake,nether author has provided a 609 letter for you to use to make corrections.
Reviewed in the United States on September 27, 2021
I was looking for some guidance on how best to repair my credit. This book gave me meaningful and useful advice to turn things around. I really love the 609 letter templates. I never feel like I held my future in my hands more than now preparing to send my letters to get things started.
Reviewed in the United States on September 29, 2021
There are so many people with bad credit who would benefit from the information in this clear and concise guide. This author will help you ID your credit problems, and figure out how to improve your overall score, which will be critical to your future buying needs.
Reviewed in the United States on December 12, 2021
Your credit score is important. Learn how to fix it if your number is low. reads There are templates to use to send to a creditor if you don't agree with them. Step by step and you can repair your score.
Reviewed in the United States on December 9, 2021
If you're fighting an uphill battle to get your credit under control, this book has the information you need to turn that uphill battle into a smooth ride.
Reviewed in the United States on September 28, 2021
Purchase this book to find out how you can repair your credit. It also has letter templates that you cash send to your creditors.
Reviewed in the United States on September 28, 2021
The author explains how and why you need to repair and rebuild your credit. Offered are over 600 different templates to get you started and how you should contact the credit reporting companies. Good information to have.
Excellent help! Easy to understand!
Reviewed in the United States on December 16, 2021
Hubby and I are working towards trying to buy our first home but we have a lot of debt we accumulated during a long term illness that left him out of work. I feel like I don't even know where to begin! This lays out clear and easy steps to follow to get on track while also understanding all aspect of credit monitoring and scoring!
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